Jonathan Davis, an economist and former Treasury Department advisor, lays out a thoughtful case for why earned wage access (EWA) should be embraced—not restricted. In this Payments Dive op-ed, he argues that giving workers real-time access to income they’ve already earned is a modern, market-based solution to the growing instability of household finances. With nearly 60% of Americans living paycheck to paycheck, Davis urges policymakers to treat EWA not as a form of credit, but as a critical tool for financial dignity and flexibility.

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